Bank of O Fallon
O'fallon, Illinois · FDIC Cert #18171
Bank of O Fallon is an FDIC-insured bank (Certificate #18171) with $342M in total assets and $293M in total deposits as of the Q2 2024 Call Report. Headquartered in O'fallon, Illinois, the bank maintains a Tier 1 capital ratio of 22.52% (Well-Capitalized) and a nonperforming loan ratio of 0.69%. BankHealthData assigns a composite Health Grade of A (86/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of O Fallon (FDIC cert 18171) is a community bank — $342M in total assets, $293M in deposits, serving the O'fallon, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 22.52% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.69% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 20.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.92% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bank of O Fallon carries a composite BankHealth grade of A (86/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of O Fallon
- Total Assets
- $342M
- Total Deposits
- $293M
- Tier 1 Capital Ratio
- 22.52%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.69%
- Liquidity Ratio
- 20.26%
- Return on Assets
- 1.92%
- Headquarters
- O'fallon, Illinois
- FDIC Certificate
- #18171
- Health Grade
- A (86/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of O Fallon holds a Tier 1 capital ratio of 22.52%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of O Fallon has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of O Fallon shows strong financial health indicators. With $342M in assets and a Health Score of 86/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of O Fallon Compares
Bank of O Fallon’s Health Score of 86 is 14 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 22.52% Tier 1 capital ratio is 8.5 points above the US banking industry average near 14%. The 0.69% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.92% is in line with or above the national ROA benchmark of ~1.1%. Among 1594 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Bank of O Fallon is 16 points above the portfolio average of 70.
Frequently Asked Questions
Bank of O Fallon has a Bank Health Score of A (86/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 22.52%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of O Fallon's Tier 1 capital ratio of 22.52% and nonperforming loan ratio of 0.69% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of O Fallon is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18171). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of O Fallon holds $342M in total assets and $293M in total deposits. It is headquartered in O'fallon, Illinois (FDIC Certificate #18171).
Bank of O Fallon has a Tier 1 capital ratio of 22.52%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.69%, and the return on assets is 1.92%.
Yes. Bank of O Fallon is FDIC-insured (Certificate #18171). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of O Fallon's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.